by niki | Aug 27, 2025 | Life Events
Who Pays for an FHA Streamline Refinance? The borrower pays the closing costs, but there are several ways to minimize or eliminate out-of-pocket expenses: Typical Costs: Closing costs typically run 3-5% of your loan amount (so $3,000-$7,500 on a $150,000 loan) The...
by niki | Jul 27, 2025 | Life Events
1031 Exchanges, Inheritance Tax, and Marriage: Strategic Property Planning What is a 1031 Exchange? A 1031 exchange, also known as a like-kind exchange or Starker exchange, is a powerful tax strategy that allows real estate investors to defer capital gains taxes when...
by niki | Jun 26, 2025 | Life Events
Marry the House, Date the Rate: Why You Can Always Refinance Later By Niki MacDuff, Real Estate Broker (DRE #01244064) & Mortgage Lender (NMLS #1847894) This is one of the most important concepts I teach my clients, and it’s exactly why so many people miss...
by niki | Jun 26, 2025 | Life Events, Work with Niki
# California Real Estate Market 2025: Why Now Is Still the Right Time to Buy in the Golden State *By Niki MacDuff, Real Estate Broker (DRE #01244064) & Mortgage Lender (NMLS #1847894)* If you’re watching California’s real estate market right now,...
by niki | Jun 6, 2025 | Attraction, Realtor Nurse, Work with Niki
By the year 2035 it’s projected that there will be more than 78 million person ages 65 and older living in the United States, up almost 60% from the 46 million in 2016, according to population data. Every state is expected to see massive growth as baby boomers age...
